What is Google Pay?

Google Pay is a payment app that allows you to add your card to your supported Android device in order to make purchases at participating merchants.

Where is Google Pay accepted?

In order to use Google Pay in-store, a merchant must accept contactless payments. To identify if a merchant accepts contactless payments, look for at least one of the following symbols at the payment terminal:

Two logos that indicate retailer or vendor accepts Android Pay

What are the requirements to have Google Pay?

You'll need an Android phone or tablet running version KitKat 4.4 or higher and the Google Pay app. If you don't already have the app on your device, you can download it for free on the Google Play store. Your phone also needs to support NFC (Near Field Communication) and HCE (Host Card Emulation). 

To check your Android version:

  1. Open your device's Settings app
  2. Scroll to the bottom and tap About phone or About tablet.
  3. Under "Android version," the number shown is your device's Android version number.

To check for NFC, follow these steps (steps may vary by device):

  1. On your Android phone, go to Settings
  2. Touch More.
  3. Make sure "NFC" is listed and turned on.

When you turn on NFC, HCE is turned on automatically. HCE is available on most devices, except for the following:

  • Evo 4G LTE
  • Nexus 7 (2012)
  • Samsung Galaxy Note III
  • Samsung Galaxy S3
  • Samsung Galaxy Light

Which HawaiiUSA debit card can I use with Google Pay?

You can use all HawaiiUSA consumer debit cards, as well as our business debit cards.

How do I add my debit card to Google Pay?

Download the Google Pay app from the Google Play Store and open the app. Once the app is downloaded you can add your card to Google Pay through the following way:

  1. If you already have your HawaiiUSA debit card on file through a Google Account, on the "Choose a card for Google Pay" screen, select your HawaiiUSA debit card. If you do not already have your card on file through a Google Account: Click on the "+" button to add your HawaiiUSA debit card.
  2. Enter or confirm your card details.
  3. Review and accept the Terms & Conditions.
  4. Confirm your screen lock settings.

How do I make a payment?

You don't have to open the Google Pay app to make a purchase with your NFC phone; just follow these steps:

  • Wake up and unlock your phone and make sure NFC is turned on.
  • Hold the back of your phone against the contactless payment terminal.
  • If prompted, choose "Credit" regardless of your type of card.

Are my payments safe on Google Pay?

Yes. Google Pay keeps all your payment information encrypted on secure servers. Your full details are never stored on your phone or shared with merchants when you buy something; they see your virtual account number instead.

Plus, you still enjoy all the benefits of your HawaiiUSA debit card, which includes MasterCard®'s Zero Liability policy that protects you from unauthorized purchases. When you set up Google Pay, you'll have to set a screen lock if you don't already have one. 

What is a virtual account number?

When you add your HawaiiUSA debit card to Google Pay, a virtual account number is created for that card on your device. This number is different from your HawaiiUSA debit card number. To view the last four digits of the virtual account number, go to "Card details" or "Transaction details."

Do I need to do something different if I want to return the goods I purchased in store?

Yes. With purchases made with Google Pay, you use your virtual account number to process a return. You will follow a similar process as you do for regular returns, but in addition to the paper receipt, you may need to tap your phone to the payment terminal again to complete the return. To view the last four digits of the virtual account number, go to "Card details" or "Transaction details." Alternatively, hold your device near the contactless terminal and select the card you used to make the purchase.

What should I do if my device is lost or stolen?

Whenever your phone is unlocked, it can be used to make purchases with Google Pay. If your phone is lost or stolen, you can find, lock, or erase it using Android Device Manager.

Since Google Pay doesn't store your card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked.

Note: If you notice any suspicious activity with your account or if you are unable to lock Google Pay, please contact us immediately.

Where can I find more information about Google Pay?

More information on Google Pay is available at https://pay.google.com/about/.


Android, Android Pay, and the Android Logo are trademarks of Google Inc.